Is your agent the RIGHT agent? Ask questions!

We know a lot of insurance professionals, and people often ask us what makes a good agent. There is no right or wrong agent, but there is a right or wrong agent for you! You should think about what you want from your agent, determine if he or she is providing that for you, and then choose whether you remain with them or 'go shopping'.

A few questions you should consider are: Are you receiving a call at least once a year from your insurance agent to review your homeowners insurance? Does he or she review your policy annually with you? When you call with questions, are they answered promptly? Do you understand your coverage?

If you answered “no” to just one of these questions, you might want to consider finding a new agent – or have a discussion with your current one. It’s wise to periodically shop for the best price, and it’s equally wise to shop for the agent who will serve you well.

So how do you find the right insurance professional? One of the best ways is to ask friends, neighbors and family members about their agents. Find out if they are happy with them and why they remain a customer.

If you are in networking groups, civic organizations, belong to a church, etc., you probably already know some insurance agents. Talk to them; let them know you’re shopping your insurance and ask for an opportunity to meet with them. Even if you’ve know them for years, treat it like an interview. Just because you like someone doesn’t mean they’re the right fit for you.

Changing agents is a business decision, so make sure all of your questions are addressed. Get at least 3 quotes plus one from your current agent. Be sure you’re being quoted on identical coverage so you are making a true comparison. And then make your decision based on both the dollars and the agent. You might find a great agent with fantastic rates. Or you just might find you’re right where you belong. The cheapest rates aren't always the best choice. There is a lot to be said about customer service, so make sure you are receiving a fair premium and excellent customer service.